FNBA NJ Consumer Checking: Personal Banking

Simple Checking. No Minimums. No Surprises.

NJ Consumer Checking is a pay-as-you-go account designed for South Jersey customers who want full control over their banking without worrying about minimum balance requirements. Straightforward and honest: exactly what banking should be.

You should never have to wonder what your bank is charging you or why. NJ Consumer Checking gives you a complete everyday checking account with, no minimum balance requirement, with a minimal monthly fee.

What NJ Consumer Checking Includes

Feature	Detail
Monthly Service Fee	Minimum Service Fee $3.00
Minimum Balance	None
Unlimited Check Writing	First 8 withdrawals or checks per monthly statement cycle free. Fee per item over 8 withdrawals or checks paid per monthly statement cycle: $.50.
Free Mastercard® Debit Card	Accepted everywhere
Free Mobile Banking	Deposit, check balances, and transfer from your phone
Online Banking and Bill Pay	Free, available 24 hours a day
Free e-Statements	Paperless, secure, and available on demand
24-Hour Telephone Banking	Free access to your account anytime
Free Direct Deposit	Fast, reliable, no setup fee

What Does Pay-As-You-Go Mean?

With NJ Consumer Checking, there is no minimum balance to maintain. Your account is easy to keep open and use, regardless of what your balance is on any given day.

We Believe in Showing You the Full Picture

Here is a straightforward look at what is always free and what optional services carry a fee if used:

Always Free	Optional Services
Online Banking and Bill Pay	Stop-payment requests
Mobile Banking FNBA Mobile App	Paper statement copies
Debit card	Out-of-network ATM use
e-Statements	Returned item fees (if applicable)
Direct deposit setup	Wire transfers (outgoing)
24-hour telephone banking	Cashier’s checks

Contact your branch or call 609-641-6300 for a complete fee schedule. Fees subject to change. Member FDIC.

NJ Consumer Checking or Basic Checking: Which Fits You?

Feature	NJ Consumer Checking	Basic Checking
Best For	Budget-focused, no minimums	Everyday banking, balance maintained
Monthly Service Fee	Minimal $3.00	None when minimum balance is met
Minimum Balance	None	Minimum balance required
Check Writing	First 8 checks per monthly statement cycle free	Unlimited
Debit Card	Free Mastercard debit card	Free Mastercard debit card
First Check Order	Not included	Free with account opening

If you prefer zero balance requirements and total flexibility, NJ Consumer Checking is the right fit. If you consistently maintain a balance and want a free first check order, Basic Checking may suit you better. Your FNBA banker can help you decide.

Basic Checking

If you regularly keep a minimum balance, Basic Checking adds a free first check order and additional options alongside all the same free tools.

Statement Savings

Pair your NJ Consumer Checking with a Statement Savings account to build a dedicated savings balance alongside your everyday spending money.

Common Questions

What does pay-as-you-go mean?

It means there is no minimum balance to maintain. Your account has a minimal fee to maintain and use. You only pay for specific optional services you choose to use, such as stop-payment requests or out-of-network ATM transactions.

How is NJ Consumer Checking different from Basic Checking?

NJ Consumer Checking has no minimum balance requirement whatsoever. Basic Checking waives its monthly fee only when a minimum balance is maintained. If keeping a minimum balance is not a priority for you, NJ Consumer Checking gives you the similar features without that condition.

How can I open this account?

You can open NJ Consumer Checking by visiting any of our four South Jersey branches. A banker is ready to help you get started.

What Our Families Are Saying.

Banking That Keeps It Simple.

Open your NJ Consumer Checking account at any FNBA branch in South Jersey. No minimums. Minimal monthly fee.

Have questions about our solutions?

Fill out the form, and a member of our team will reach out soon.